An Analysis of Loan & Advances Disbursement and Recovery System of Janata Bank Ltd.

Abstract

This is the result of my three months long internship experience at JBL. During the time I have learned many things about our banking system hoe the bank work and makes money. I learned how the credit department tries to maintain the positive balance during loan giving and recovering. So, basically in this report I have tried to put forth some keys features and functions of Janata bank ltd. The services they offer for loan and advance to the customers. The policies for loan and advances at Janata bank ltd. The process bank follows to choose client and the step the follow to check, validate and sanction the loan and advances. I have briefly explained the history and given and overview of Janata bank ltd. In the third chapter I have talked about the process of giving out loan and advances to clients and how JBL recover the loan, and in chapter four I gave my observation, recommendations and conclusion. I have given some suggestions in the report that JBL can use to reduce the non-performing loan to cut their losses. There was some problem during making the report one of them was not getting enough information and legal obligations.